PGY Financials: Pagaya Technologies Ltd AI Analysis

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PGY Financial

Pagaya Technologies Ltd

$12.36

5.05%

$0.59

As of today:Apr 06, 16:29:47 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$11.77

Open

$11.8

Day's Range

$11.8 - $12.48

52 week range

$8.6 - $44.99

Volume

2.1M

Avg.Volume

3.9M

Dividend yield

EPS (TTM)

-2.63

Market Cap

$994.1M

What is PGY?

Pagaya Technologies Ltd. engages in the development of AI and data networks for the financial industry. The company is primarily engaged in financial technology (FinTech) industry. The firm develops data science, machine learning and AI technology (Artificial Intelligence) analytics, enabling accurate, real-time customer credit assessments. Company's customers are lending companies that, by connecting to the AI Pagaya network, have the opportunity to discover and approve new customers that meet their credit criteria. Thanks to the Company's solutions, its customers gains a customer without undue risk. Pagaya Technologies Ltd delivers technology that provides loan assistance such as personal, car and credit card loans. The firm serves its clients all over the world.

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Income

Balance sheet

Cash flow

Annual

Quarterly

PGY Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021
Revenue	1,301	1,301	1,032	812	748	474
Revenue Growth (YoY)	26%	26%	27%	9%	57.99%	379%
Cost of Revenue	749	749	597	508	451	232
Gross Profit	552	552	434	303	297	242
Selling, General & Admin	213	213	291	253	398	181
Research & Development	75	75	76	74	150	66
Operating Expenses	288	288	367	327	549	248
Other Non Operating Income (Expenses)	-124	-80	-487	-156	8	-55
Pretax Income	51	51	-421	-181	-276	-61
Income Tax Expense	-19	-19	24	15	16	7
Net Income	77	77	-401	-128	-314	-134
Net Income Growth	-119%	-119%	213%	-59%	134%	-3,450%
Shares Outstanding (Diluted)	89.55	83.09	70.88	60.03	56.94	52.82
Shares Change (YoY)	20%	17%	18%	5%	8%	0%
EPS (Diluted)	0.86	0.93	-5.66	-2.14	-5.52	-2.54
EPS Growth	-115.99%	-115.99%	164%	-61%	117%	-2,922%
Free Cash Flow	224	224	43	-10	-62	43
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	42.42%	42.42%	42.05%	37.31%	39.7%	51.05%
Operating Margin	20.21%	20.21%	6.39%	-2.95%	-33.55%	-1.05%
Profit Margin	5.91%	5.91%	-38.85%	-15.76%	-41.97%	-28.27%
Free Cash Flow Margin	17.21%	17.21%	4.16%	-1.23%	-8.28%	9.07%
EBITDA	293	293	94	-5	-245	-5
EBITDA Margin	22.52%	22.52%	9.1%	-0.61%	-32.75%	-1.05%
D&A For EBITDA	30	30	28	19	6	0
EBIT	263	263	66	-24	-251	-5
EBIT Margin	20.21%	20.21%	6.39%	-2.95%	-33.55%	-1.05%
Effective Tax Rate	-37.25%	-37.25%	-5.7%	-8.28%	-5.79%	-11.47%

Follow-Up Questions

What are Pagaya Technologies Ltd's key financial statements?

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According to the latest financial statement (Form-10K), Pagaya Technologies Ltd has a total asset of $1,545, Net profit of $77

What are the key financial ratios for PGY?

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Pagaya Technologies Ltd's Current ratio is 1.49, has a Net margin is 5.91, sales per share of $15.65.

How is Pagaya Technologies Ltd's revenue broken down by segment or geography?

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Pagaya Technologies Ltd largest revenue segment is Aeronautical, at a revenue of 450,300,000 in the most earnings release.For geography, New Zealand is the primary market for Pagaya Technologies Ltd, at a revenue of 884,700,000.

Is Pagaya Technologies Ltd profitable?

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yes, according to the latest financial statements, Pagaya Technologies Ltd has a net profit of $77

Does Pagaya Technologies Ltd have any liabilities?

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yes, Pagaya Technologies Ltd has liability of 1,035

How many outstanding shares for Pagaya Technologies Ltd?

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Pagaya Technologies Ltd has a total outstanding shares of 80.39

Pagaya Technologies Ltd (PGY) Financial

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